How Much Mortgage Can I Afford?
Enter your salary and deposit. See your maximum borrow in seconds, with income multiples and lender stress test.
Current avg 5yr fix: ~4.5–5.2%
How UK Mortgage Affordability Works
UK lenders assess affordability using income multiples, typically 4–4.5× your annual salary. They also run a stress test to check you could afford repayments if rates rose by 3%. Your deposit size determines your Loan-to-Value (LTV) ratio, which directly affects the interest rates available to you. A larger deposit means lower LTV, lower risk for the lender, and better rates for you.
Frequently Asked Questions
⚠️ Important Disclaimer
TheCalcOra.com provides estimates for informational purposes only. Results are based on current UK law and EU regulations but may not reflect your exact circumstances. Always consult a qualified professional before making financial or legal decisions.
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